Not all insurers provide the Difference In Conditions Insurance policies. Surplus line carriers, companies willing to take on higher risk policies, typically offer Difference In Condition policies. And this includes policies that are riskier than standard homeowner’s or business insurance policies.
For example, the National Flood Insurance Program (NFIP) is a significant provider of surplus line policies, underwriting flood policies for homes across the country. Flooding and related mudflow issues may be under coverage by NFIP insurance through a local carrier. Difference In Condition policies, on the other hand, are purchased separately from your regular business insurance and may cover landslides and earthquakes.